not really. as long as you don't carry any balance. your score might be
a little bit lower but it won't affect your loan application at all.
But if you don't make a payment, you are in big trouble.

making no payment 不管有多少CC都一个样吧

绝对会,我就是惨痛的教训

能说说具体怎么样个惨痛法吗？谢谢

信用卡的数量对credit score只有很小的影响。不过如果平时用不到那么多就建议把不用的close

开那么多， 也用不乐。何苦呢？ 其实4种一样一个就足够乐呀。